Ogden, Utah employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
18 employers in Ogden, Utah filed health plans with 100 or more participants for plan year 2024, covering 13,904 participants. They reported $245,698 in insurance premiums and $1.7M in broker commissions and fees. Against 2023, premiums were down 88.0% and broker pay fell 27.1%.
Funding: 0 fully insured · 10 self-funded · 8 mixed. 18 of 18 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Ogden
Ogden employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Bank of Utah | $160,771 | $163,356 | 380 | Moreton and Company |
| Boman & Kemp Manufacturing, Inc | $84,927 | $55,998 | 166 | Goldenwest Insurance Services |
| Autoliv Asp, Inc. | $0 | $190,011 | 4,605 | Willis Towers Watson |
| America First Credit Union | $0 | $418,469 | 2,986 | Fred A. Moreton & Company |
| Inw Manufacturing, LLC | $0 | $103,948 | 1,462 | IMA Financial |
| Marketstar Qoz Business, LLC | $0 | $24,398 | 812 | IMA Financial |
| Becklar, LLC | $0 | $44,351 | 700 | Gallagher |
| Hawx Services LLC | $0 | $69,552 | 539 | PCF Insurance Services |
| Amer Sports Winter & Outdoor Company | $0 | $10,315 | 474 | USI Insurance Services |
| Goldenwest Federal Credit Union | $0 | — | 379 | Goldenwest Insurance Services |
| Honeyville, Inc. | $0 | $175,489 | 370 | GBS Insurance Agency |
| Overland West, Inc. | $0 | $1,323 | 210 | Keyes Benefit dba Keyes Ins SV |
| JD Machine Corporation | $0 | $86,675 | 174 | Buckner Partners, LLC |
| Midtown Community Health Centers | $0 | $127,243 | 144 | Gallagher |
| R&O Construction | $0 | $178,350 | 141 | GBS Benefits Inc |
| Hhi Corporation | $0 | $3,397 | 140 | Holmes Murphy |
| Ya Ya Foods USA LLC | $0 | $61,808 | 118 | Thompson Flanagan Bnfts Group, LLC |
| Enve Composites, LLC | $0 | — | 104 | — |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Ogden employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| GBS Benefits Inc | $336,978 | 3 |
| Fred A. Moreton & Company | $328,163 | 1 |
| Willis Towers Watson | $190,011 | 1 |
| Moreton & Company | $179,261 | 2 |
| Gallagher | $171,594 | 2 |
| IMA Financial | $106,047 | 3 |
| The Buckner Company | $84,790 | 1 |
| Professional Group Plans, Inc. | $73,321 | 1 |
| Thompson Flanagan Bnfts Group, LLC | $59,165 | 1 |
| Goldenwest Insurance Services | $55,998 | 2 |
Largest medical carriers
Medical premium written for these employers.
Ogden against Utah and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Ogden | Utah | United States | |
|---|---|---|---|
| Employer plans | 18 | 700 | 58,547 |
| Median commission rate | n/a | 5.0% | 3.8% |
| Middle half of rates | n/a | 3.0% – 5.9% | 2.7% – 5.0% |
| Median broker pay per employer | $78,114 | $77,994 | $72,628 |
| Medical premium per covered person | n/a | $4,849 | $7,274 |
| Plans reporting no commission | 0 | 4 | 933 |
Year over year. In plan year 2023, 17 Ogden employers reported $2.1M in premiums and $2.4M in broker pay for 11,935 participants; in 2024 it was $245,698 and $1.7M for 13,904 participants (premiums −88.0%, broker pay −27.1%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Ogden employers pay health insurance brokers?
18 Ogden employers reported $1,714,683 in broker commissions and fees on their 2024 Form 5500 filings, 16 of them disclosing at least some compensation. Too few fully insured medical plans in Ogden reported premium to compute a stable commission rate; the Utah median is 5.0% and the U.S. median is 3.8%. In dollars, the median Ogden employer that disclosed broker pay reported $78,114.
Which Ogden employers have the largest health plans?
By insurance premium reported for 2024, Bank of Utah ($160,771), Boman & Kemp Manufacturing, Inc ($84,927), Autoliv Asp, Inc. ($0) lead. 18 Ogden employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Ogden?
By compensation reported by Ogden employers, the largest brokers are GBS Benefits Inc ($336,978, 3 plans), Fred A. Moreton & Company ($328,163, 1 plans), Willis Towers Watson ($190,011, 1 plans). By medical premium, the largest carriers are Unitedhealthcare Insurance Company, Selecthealth, Kaiser Foundation Health Plan, Inc..
Are Ogden employer health plans self-funded or fully insured?
Of 18 Ogden employer plans, 0 are fully insured, 10 are self-funded and 8 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Utah
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